Based on our extensive testing, we have found that for most people, Identity Guard is the best identity theft protection service.
by Keith Morris
Topic: ID Theft
> 1 min read
Extensive surveillance and security measures with an excellent alert system. Offers unique device security benefits and anti-virus protection to ensure internet browsing safety.
Provides digital and physical security features, including dark web monitoring. Up to 10 children can be added to your plan for free, giving excellent family cover.
Cybercrime has become a major issue in our technology-driven society. Sources predict that by 2021, cybercrime will cost the world $6 trillion, making it the largest transfer of economic wealth ever.
While it’s normal to assume that cybercriminals target major organizations for lucrative data and information, the reality is that they tend to prey on the vulnerable. Civilians represent easy targets for hackers.
It’s now more important than ever to protect your personal identity, particularly in the online sphere. If you’ve decided to purchase an identity protection plan, you must compare LifeLock vs. Discover. The following guide can help you decide which option is best for you.
LifeLock vs. Discover: Comparison
WHAT YOU GET
Core Security Services
Insurance and Fund Reimbursement
- 1 LifeLock vs. Discover: Comparison
- 2 QUICK FACE-OFF
- 3 LifeLock Features and Services
- 4 Discover Features and Services
More about Discover versus Wells Fargo
LifeLock Features and Services
Security Features and Identity Protection
LifeLock identity theft protection is available through a series of tiered offerings. LifeLock customers can avail of comprehensive SSN, bank account, credit card surveillance, annual 3-bureau credit reports and scores, and dark web scanning.
Certain packages come with Norton 360, which is an anti-virus and device protection software. It protects your computer or mobile from phishing scams and includes a VPN for safe and anonymous browsing. This is very useful if you use online banking.
Your credit score is a key indicator of identity theft. LifeLock credit monitoring services track your credit and bank accounts and alert you of any suspicious activity through a phone call, mobile app, or email.
You receive annual 3-bureau credit reports and scores, allowing you to keep an eye on your financial health.
LifeLock focuses on 3 key ways to protect its customers.
The first is that it covers you for personal expenses incurred due to identity theft (up to the limits of your plan). Secondly, you’re repaid for money stolen due to identity theft (up to the limits of your plan). Finally, LifeLock provides lawyers and experts to help you resolve your case.
LifeLock pays up to $1,000,000 in insurance reimbursements. Its US-based customer service team is available 24/7.
Plans and Pricing
The most basic package costs $9.99 per month, rising to $11.99 after year one.
LifeLock Select is identical to the Standard Package other than the inclusion of Norton 360. It costs $9.99 per month, rising to $14.99 after year one.
LifeLock Advantage is priced at $17.99 per month, rising to $24.99 after year one. As well as the basic services, this package includes bank account and credit card activity alerts and alerts on crimes committed in your name.
The premium offering costs $25.99 per month, rising to $34.99 after year one. The additional benefits include annual 3-bureau credit reports and scores, 401(k) and investment account activity alerts, and home title monitoring.
For a LifeLock family plan, you may add children to your account at an extra cost. LifeLock Junior add ons are $5.99 per month.
Pros and Cons
Discover Features and Services
Security Features and Identity Protection
Discover identity theft protection services provide a host of excellent security features, protecting you from potential cybercrimes. It monitors your financial accounts, credit scoring, SSN and surveys the dark web for any misuse of your information.
Discover customers gain access to a digital dashboard, where you can view your information and receive alerts for potential breaches.
Your personal address and identification are monitored carefully against the National Change of Address database and criminal records to ensure nobody is falsely using this information.
Discover credit monitoring provides customers with a monthly credit score update. Three-bureau credit alerts are also sent out when key changes are reported to your credit file.
Since your finances are likely to be your most valuable asset to cybercriminals, closely monitoring your accounts and credit score allows Discover to spot any fraudulent activity quickly.
Most identity protection services can’t guarantee that theft won’t occur. If Discover customers become identity theft victims, they can receive up to $1,000,000 in reimbursement for stolen funds, lost wages, and other expenses. Discover has a $0 Fraud Liability Guarantee, so customers are never responsible for unauthorized purchases on their Discover cards.
Identity theft victims gain access to Discover’s US-based fraud resolution specialists.
Pricing and Plans
Discover Identity Theft Protection
There is only one available Discover plan. It is competitively priced at $15 per month. The offer is limited to Discover cardholders, but it isn’t mandatory.
As there are no tiered service offerings, all discover identity protection customers avail of the full range of services.
One of the most standout aspects of the package is the Discover family plan option. Although there is no specific package for families, children can be added to your plan for free. Up to 10 children can avail of dark web alerts, SSN identity alerts, identity theft insurance coverage, and full-service resolution.
Unfortunately, children are also targets of cybercriminals, so this is a great family option.
Pros and Cons
LifeLock and Discover offer two very different services. While some of their core security features align, the additional device protection measures and 3-bureau monitoring offered by LifeLock makes it the more comprehensive provider.
Unfortunately, Discover identity protection is only available to Discover credit or debit card holders. If you’re not a Discover member already, you do not qualify for its identity protection services.
Although Discover is reasonably priced and allows up to 10 children to be added to a plan for free, the security features are no match for the LifeLock Advantage and Ultimate Plus plans. The LifeLock alert systems are more extensive, and the 3-bureau monitoring system gives you far better coverage than Discover’s Experian alternative.
LifeLock offers more diverse financial security features. It monitors all types of bank accounts, including 401(k) and investment accounts. These are some of the most valuable financial assets that a person can have, meaning they must be protected.
With only 1 available plan, Discover identity protection is quite restrictive. LifeLock offers 4 different packages at a variety of price points, allowing its customers to choose a plan that suits their specific needs. The added benefit of device security makes it the perfect choice for a modern consumer.
If you’ve decided to take you and your family’s personal security more seriously, invest in security protection today. LifeLock is the superior choice in creating a safer future.
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About the Author
Keith Morris is a 20+ year veteran of the security game, with the knowledge and experience to set you on the right track toward personal safety and security. His firm is committed to giving you the tools and know-how to combat any threat to your safety.
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